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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,292 | $77,920-49.6% | $149,723-73.8% | $75,177-47.7% |
| Participation rate | 46.0% | 65.6%-19.6pp | 78.8%-32.7pp | 67.2%-21.2pp |
| Annual return | 149.38% | 31.72%+117.7pp | 134.50%+14.9pp | 160.75%-11.4pp |
| Employer contribution / active EE | $2 | $3,138-99.9% | $4,821-100.0% | $2,671-99.9% |
| Participant deferral / active EE | $3,182 | $3,411-6.7% | $5,682-44.0% | $4,126-22.9% |
| Admin fee / account holder | $2,411 | $5,951-59.5% | $13,215-81.8% | $5,651-57.3% |